Other than owning her own home, zero debt, she has no experience.

Bear in mind, you’re in debt, young with little RE experience (lots of knowledge though.) 

@Dana Powell...Sounds totally fine to me on a no-doc no ratio loan because those numbers are debt servicing either. 

I have excellent credit, no debt and am new to private lending.

Its cheap to grow (all though it takes a while) vs concrete where you have to mine several different materials then combine them together in a processing plant and then you get to form it and cure it.

The investor’s portfolio I am advising currently looks like this:25 SFRsValue: approximately 1 million All properties owned, no debt Monthly cash flow: approximately 10kWhat are the best options for this particular investor to continue growing this portfolio?

Hello,If I was landlord for 10 years ago but I sold my rentals and I wasnt a landlord for 10 years and if I apply for a loan for my new house and rent my home I currently living in can I use that 75% of the rent income to apply towards the debt to income or would I have to rent for 1 year any suggestions?

Only problem is I have low credit score due to staying out of debt and avoiding borrowed money.

In the long run you want to pay down your debt as this is how you build wealth. 

After all debt service (mortgage and personal loan) on a 75/25 LTV refi I will be left with approx $20k.